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Single User Account

Choose this option if you are a sole practitioner or likely to be the only person in your organization conducting assessments of older adult financial decision making.

Organization Account

Choose this option to give multiple users from your organization access to the assessments. An organizational account lets you, as the administrator, manage multiple users from your group. You invite users to the account, manage their access, and can even customize the steps your employees should take after each interview.

Thank you for creating an organizational account on Older Adult Nest Egg.
Your choice to add OANE assessments as a trusted resource will help protect and support your older adult clients as they make financial decisions.

Single Account Thank you page

Thank you for creating an account on Older Adult Nest Egg.
Your choice to add OANE assessments as a trusted resource will help protect and support your older adult clients as they make financial decisions.

Whether you are a banker, financial planner, attorney or social worker, Older Adult Nest Egg has the appropriate interview tool to help you assess and assist your client. The reliability of Dr. Lichtenberg's method has been validated across more than three years of field-testing. His new Family & Friends Assessment asks a trusted relative or friend about the client's financial decision for additional validation of findings. Whether you are a seasoned interviewer or a novice, Older Adult Nest Egg can help you identify seniors at risk of exploitation, while respecting the rights of those whose decisions are made authentically and with integrity.

HARD TRUTHS

One out of every 20 older adults in the U.S. is a victim of financial exploitation, losing an average of $80,000 to $186,000.

Nearly half of these crimes are committed by someone the older adult knows and trusts, like a relative or caregiver.

An 82-year-old man with undiagnosed vascular dementia gets caught up in the "grandparent scam," in which someone purporting to be a grandchild asks for money to get themselves out of legal trouble overseas. Over the course of one week, the man wires money from his bank account and loses $100,000.

A frail 92-year-old woman living alone in a 4,700 square foot home, hires a repairman to fix her roof. He befriends her, bringing coffee and donuts almost daily and staying for conversation. He convinces her to take out a reverse mortgage. Then, knowing her bank account numbers and log in, he absconds with the $400,000 she received for the reverse mortgage.

A successful businessman in his 60s suffered two strokes. So his son moved in to provide care. The son convinced both parents to move south. He then "updated" the address of their financial statements to his own post office box, and forged their names to open fraudulent bank accounts. He had their financial advisor wire funds to these accounts, stealing more than $3 million. The father died penniless on Medicaid in a nursing home.

A 66-year-old woman got a Facebook friend request from a man who said he was on the Embassy staff in Italy and lonely. He wanted to return to the US, but was having trouble securing travel funds. After weeks of "friendly" contact, the woman decided to send him $5,000. Fortunately, as her teenage granddaughter helped with the wire transfer, she realized something was amiss. She stopped the transfer and notified her parents. The scammer was never caught, but the woman kept her savings.

Nest Egg Tools

Financial Decision Tracker

This brief 10-item interview examines a specific financial decision made by an older adult to assess his or her financial judgment, vulnerability to theft and scams, and whether financial predation may have taken place.

For professionals who often work with older adults making significant financial decisions, including attorneys, financial planners, bankers, investment brokers, insurance agents, accountants, law enforcement officers, and Adult Protective Services case workers.More about the Financial Decision Tracker

Financial Vulnerability Assessment

The Financial Vulnerability Assessment is an in-depth interview to determine the factors involved in an older adult's financial decisions. This includes an assessment of cognitive impairment, situational awareness and undue influence and their impact on financial decision making.

The Family & Friends Interview asks a series of questions to the trusted relative or friend of an older adult to better understand one of the older adult's recent financial decisions.The interview provides a complementary perspective on the decision and is best used in combination with the Financial Decision Tracker or the Financial Vulnerability Assessment.

Certification is simple and straightforward. Our convenient online trainings show you how to administer the assessments to achieve accuracy and reliability. Training to become certified to use the Decision Tracker and the Family & Friends Interview is available to all professionals. Training and certification to use the Vulnerability Assessment, however, should be completed only by a mental health professional.

Trainings & Consultations

Groups or organizations interested in receiving training for either interview should contact Dr. Lichtenberg. He conducts trainings in person, via conference call or webinar. Participants learn the science behind the assessments and how to administer and score them. Dr. Lichtenberg also consults with organizations to help them understand the problem of financial exploitation and how these appraisals can protect their employees and the older clients they serve.

Dr. Lichtenberg is a national expert in financial capacity assessment and the financial exploitation of older adults. An award-winning author and researcher, his interest in how older adults make financial decisions, and the responsibility to defend autonomy while protecting the vulnerable, led him to create the interview tools found here. He has conducted numerous medical evaluations and been an expert witness in more than 80 cases related to older adults and capacity.

Contact Us

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Older Adult Nest Egg assessments provide information only about financial decision-making performance. Assessment results detail the client’s responses to a specific financial decision or transaction. They assist the interviewer only in identifying potential areas of strength or challenge regarding that decision or transaction and as informed by the interviewer’s independent judgment. Assessments DO NOT provide diagnosis or treatment recommendations. Older Adult Nest Egg assessments are to be conducted by trained interviewers. Assessment reports are not stand-alone and require the interpretation of the interviewer and possibly a relevant professional within their scope of practice and in the context of all information they have gathered about their client. Assessments, risk scores and levels of concern are not intended to diagnose, treat or prevent cognitive impairment. Information provided by Older Adult Nest Egg is not a substitute for face-to-face consultation with a medical or mental health professional and should not be construed as individual medical or mental health advice. Older Adult Nest Egg assessments and the statements made on this website have not been evaluated by other regulatory bodies.